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Expert: - 2/17/2010


Question
I have an 18-year-old nephew who just got his license and I was wondering if he has to have auto insurance and can his license be taken if he doesn't have insurance?

Answer
Hi Fred,

Auto insurance follows the vehicle and not the driver. There is no requirement that a person have insurance. However there is a requirement that all vehicles have insurance.

You nephew would be covered while driving any vehicle that is not a part of his household. He is required to be listed as a driver on his parents or guardians policy. That is because most policies require that all licenced driver in a household be listed on the policy so that the insurance comapny can charge for the risks that exist within the household.

I hope this helps
Richard Hixenbaugh

Auto Insurance Claims

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Richard Hixenbaugh

Expertise

Auto insurance claims procedure, auto coverage, liability issues, auto damage questions, how to deal with the insurance company, loss of use and diminished value.

Experience

I have been involved in the insurance industry for over 25 years. I have experience in underwriting, sales, claims adjusting, auto damage estimating, auto value appraising and diminished value appraising. I have testified as an expert witness over 35 times.

Organizations
Society of Certified Auto Appraisers

Education/Credentials
Completed all required courses for the Florida Property-Casualty agents license and the Florida claims adjusters license. I have attended various courses on auto damage estmating, vehicle appraising and am ASE certified in collision damage analysis.

Past/Present Clients
My company has done work for consumers nationwide.

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